# UNO
NEW ORLEANS, LA · NCUA charter 20842 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/uno-20842

Who the members are: federal charter, multiple common bond, organized 1972, low-income designated. 4,267 members of 390,000 potential (1.1% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 62.

**Verdict on the desk:** this could be *auto monoline*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $37.3M |
| Members | 4,267 (0.0% YoY) |
| Full-time staff | 12 |
| Net worth | $7.6M |
| Net worth ratio | 20.3% (p75 of band) |
| ROA (annualized) | 1.02% (p71 of band) |
| Total delinquency | 1.00% (p62 of band) |
| Net charge-offs (annualized) | 0.83% (p83 of band) |
| Loans / shares | 84% (p85 of band) |
| Cash / assets | 20.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.67% (p79 of band) |
| Operating expense / assets | 5.26% (p82 of band) |
| Vehicles % of loans | 78% (p79 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.98% (p64 of band) |
| Vehicle NCO | 0.15% (p73 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 3% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 17% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 88% |
| Certificates % of member funds | 10% |
| Average share balance | $4,109 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $402,806 |
| Loans outstanding per 100 members | 62% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $9,164 |
| Loans granted, annualized | $5.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $402,806 outstanding purchased (5.3% of net worth), $52,056 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 0.3% year over year.

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 4 | delinquency rising, assets shrinking, members leaving |  |
| 2017-06 | 1 |  | delinquency rising, assets shrinking, members leaving |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | members leaving |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 4 | delinquency 2x band, delinquency rising |  |
| 2019-06 | 3 |  | members leaving |
| 2019-09 | 4 | members leaving |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 3 | net worth falling | delinquency rising, members leaving |
| 2020-06 | 5 | margin squeeze, loan book shrinking |  |
| 2020-09 | 4 |  | loan book shrinking |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 4 |  |  |
| 2021-12 | 2 |  | delinquency 2x band, net worth falling |
| 2022-03 | 3 | delinquency 2x band, members leaving | margin squeeze |
| 2022-06 | 1 |  | delinquency 2x band, members leaving |
| 2022-09 | 1 |  |  |
| 2022-12 | 4 | delinquency 2x band, delinquency rising, assets shrinking |  |
| 2023-03 | 5 | charge-offs p90, repo signal | delinquency rising |
| 2023-06 | 5 | delinquency rising | repo signal |
| 2023-09 | 3 |  | delinquency 2x band, delinquency rising |
| 2023-12 | 3 | delinquency 2x band | charge-offs p90 |
| 2024-03 | 1 |  | assets shrinking, delinquency 2x band |
| 2024-06 | 2 | delinquency 2x band |  |
| 2024-09 | 3 | delinquency rising |  |
| 2024-12 | 2 |  | delinquency rising |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 |  | delinquency 2x band |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-09 [Vincent Forte Obituary - Chalmette, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxNaVpoaHJVR21JMC1Na0xIUkVJTXQ0b2k5b216Yno5WUEyWXlpOUNLN2hQanBSODlFSVF4UU56OUxESUdRWmxtQnVTWlpkY3JPVkh2bF9kYmJWeF9ndjZrbEk2TjhWMS04a3BhSlEtTDdWS3JodGQyQUlNcWwwX0NJeGZwYWI?oc=5) · Dignity Memorial
- 2026-08-05 [Jimmy Herring Setlists 2003 - JamBase](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9uM1lXUlEzQ2dmOFh2TnFQMXJ2U19kR0t0NzV4Mjh3TV9UZ1A5WFZmRFd0ZDVrM3d4VGt3MjBWV2hXOElaTWNGSnhVaGVCNkl6b3R6LTNGaGFSWTBVa3dsZU5VRmpnYWs?oc=5) · JamBase
- 2025-03-11 [Daniel Harper Obituary - Kenner, LA - Neptune Society](https://news.google.com/rss/articles/CBMiekFVX3lxTFBobFQ0UndrQjBkQ2xwRUIxaWlXbHBHaHVMZUhGd1UtX04xaVlUcElpVzBIZ1hRYkpJelpyVURDdWttWE1FWTE2bHdzRzFSVWI5YVdsOW9kQTZoaUhsdlFhejBYd04xMldrUjNJb2ZmTEpHVjJUR2NwX2Vn?oc=5) · Neptune Society
- 2026-03-21 [Widespread Panic Setlists 2003 - JamBase](https://news.google.com/rss/articles/CBMia0FVX3lxTFBDT3FzM21MczFYY0NJaGd2T042TWxzRWk0cHJBTkNLQUM3UnduNHhGVGd0Ujd5YzNPTnZsakVJM3hzQVd6bUpIZC1pTFo0bDJjNUYtbUFyWUhQTWZzUFpfWU0yeDFLU0VEdHd3?oc=5) · JamBase
- 2022-08-18 [Bailout List: Banks, Auto Companies, and More | Eye on the Bailout - ProPublica](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9yUjlLUHlRTkFPekMwR3J1MXFxS2o0OWc3cTFybnY2U1ZhZ1BkTVRweEE5bXJuWnVSTTRxWk1malZlQ2dPUVpHSTk0OTZfNUg3aGpUVVJrbw?oc=5) · ProPublica
- 2026-07-07 [Ryan Fulton - 2023-24 - Men's Golf - privateersports.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE9wUTMwZjFhSGtMdHNxWktFU3NlQTN2MjFST2M0andfSGNFZ3ZqVzdJUG5NNU0zTXVQNHNDa0Zwd2tFQnFJNkQ1dTN1bmtvNkVkRXh5Ym9lNG81X1hrWjU1ekp1b1hhWmlfWnFMOHdBazZ4Nm9iMHpZ?oc=5) · privateersports.com
- 2022-08-30 [Lauryn Hill Cancels Several Tour Dates Due to 'Unforeseen Production Issues' - EBONY Magazine](https://news.google.com/rss/articles/CBMingFBVV95cUxPXzh6RWIyblhqZ3hRbnNlVjVGeDdYV3Jua21SY3RYdGZUTUlwV24yNVU4R19Hcl8yRVRQWFhCTWFlb2NmS0JSaFFfMVdJaGpoZ0I5S2VmOGZwTHExQ1lva3lKQzlUWm9raXp3VGpsZ1VxVWJ4V1dlWW11RDlMRVNZZGZUVHU1dzNmSnVxODBGRHFwQ3FZX0pJcFBIWTgxdw?oc=5) · EBONY Magazine
- 2018-07-26 [Ms. Lauryn Hill cancels some of her upcoming tour dates - treblezine.com](https://news.google.com/rss/articles/CBMib0FVX3lxTE9VdkxSOEEwQ2FNaF90emI4aENuOVUwRk03UzZtNjlMSUQxTWEzSW9sVUhEcnEwb1pvOUVqbGx6RXVSQ1lqUWdVdkpiTEg0TGdxVm5fOXQ4SnJ5WlE3YXNJal9tanR4cUVGeXZGLS1LWQ?oc=5) · treblezine.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=20842 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/42.json (key "20842", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=20842
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide